White Settlement, TX
White Settlement wildfire risk explained
White Settlement sits at the 62nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 6,265 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Settlement at the 62nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 61.5% of White Settlement's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.9% Direct and 31.6% Indirect — a landscape-level risk rather than a building-by-building one. At 6,265 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where White Settlement ranks
Inside Texas, White Settlement sits at just the 16th percentile even though it scores 62nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, White Settlement ranks 12,084 for wildfire risk (1 is highest) and 2,771 by building count (1 is largest). Within Texas alone, it ranks 1,505 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
White Settlement and the insurance market
White Settlement's 62nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in White Settlement
Even with 61.5% of White Settlement outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,265 counted buildings into the percentiles shown above for White Settlement. For more on what minimal exposure implies beyond White Settlement, see the exposure-zones guide.